This report explains the major considerations in developing group health insurance coverage for public school personnel. A general overview is given of (1) group health insurance coverage, (2) patterns of group health insurance, (3) group health insurance organizations, (4) eligibility and enrollment practices, and (5) continuous health insurance coverage. Developing specifications for group health insurance is discussed in terms of (1) hospital insurance, (2) medical insurance, (3) surgical insurance, (4) major medical insurance, (5) general exclusions and limitations, and (6) group health insurance premiums. Sample contracts of representative group insurance plans are included and maximum allowances and benefits of these plans are presented by State and school district. A short bibliography lists relevant background material. A related document is EA 001 801. (TT)